Up to £150 welcome bonus.

Why investors choose RateSetter

Great returns

Earn interest every month – with returns that are higher than most savings accounts. And more stable than stocks and shares. Learn more.

Stability

As with all investments, scale and diversification is important. At RateSetter, although your investment is matched with individual borrowers, you benefit from the stability of the £850 million loan portfolio. Learn more.

100% track record

So far, our investors have got every penny back of capital and expected interest. It’s all thanks to our Provision Fund which acts as protection against missed borrower payments. Learn more.

5.9%

Better value for everyone

We believe, it’s your money so it makes sense that you get the best value from it. By connecting people who have money to invest with those who want to borrow it, everyone gets a better deal. It’s as simple as that.

Smartinvestors

You can earn more by investing into a portfolio of loans to creditworthy households and businesses.

Households and businesses

Get a flexible loan at competitive rates, with a simple application that protects your credit score.

Protecting our customers makes sense

We are committed to being the UK’s safest and most liquid peer-to-peer platform because we never forget that we’re looking after your money. Since 2010, every investor has received every penny that they expected. This is thanks to our Provision Fund that enables individual investments to benefit from the stability of whole portfolio.

And finally...

Step out of the dark ages.

Invest tax-free with our IF ISA.

Protecting your investment

The RateSetter Provision Fund

Investments with RateSetter are protected by the Provision Fund which provides a buffer against poorly-performing loans. The Provision Fund reimburses investors if a borrower misses a payment. All borrowers pay a contribution to the provision fund, determined by their credit worthiness. A greater risk requires a higher contribution. If a borrower defaults, the Provision Fund takes over the loan, repaying any outstanding capital to RateSetter investors. While the Provision Fund has a 100% track record, it does not provide a guarantee. Learn more.

Customer testimonials

Customer testimonials

Customer testimonials

Fantastic rates of return super easy to use really happy with the service. Source: TrustPilot

Customer testimonials

Ratesetter are in my opinion a great organisation where you can invest and take loans knowing that there are no hidden clauses and you can feel confident that they are working for your benefit. Source: TrustPilot